100K Business Loan

Commercial Finance Solutions

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100K Business Loan

Clifton private finance

We specialise in sourcing business loans 

As a specialist business loans broker, we provide high-quality business loan solutions for our clients.
We pride ourselves on providing excellent service responsive to your needs.
Call us on 0203 880 8890 to discuss your requirements.

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Business Loans Broker

What Is A 100k Business Loan?

A 100k business loan can greatly help businesses expand their operations; it can also be a valuable tool to get your business out of a negative period. Business loans for £100,000 have been a popular choice for companies after the pandemic. This allows business owners to pull their operations out of any slump experienced in the pandemic and lockdown.

Suppose you're looking to grow your business. In that case, a loan for 100k can give you the means to afford new business spaces, equipment, and other expensive business assets, as a business loan can spread the cost of these things over a more extended period, making it easier for you to pay for what you need.

There are many different things you can use a £100,000 business loan for, including items such as:

● Expanding to new spaces
● Buying business equipment
● Covering employee pay
● Purchasing business inventory
● Covering tax requirements

Do I Need To Use Security Assets For A 100k Business Loan?

By business standards, a loan for £100,000 may not seem like a tremendous amount, but this is a large enough loan that you will usually expect to be required to provide security for this amount in a business loan. You may still find some options with lenders willing to provide unsecured loans for £100,000, but these may be more difficult to qualify for, especially if your business is relatively new.

Unsecured loans for £100,000 usually come with less desirable loan terms and higher interest rates, especially for business loans of this amount. Qualifying for £100,000 in an unsecured business loan could be possible, but it would require excellent credit history and a perfect business plan; all your business financial reports would have to be held to a very high standard to allow for a 100k unsecured business loan.

It would be best if you considered using a secured business loan for this money. The types of things you can use to ensure your business loan include:

● Property
● Personal Savings
● Vehicles
● High-end artwork
● Other high-end items such as jewellery
● Business inventory
● Business office space or warehouse space
● Business equipment
● Invoices

Secured loans can sometimes take longer to be approved than unsecured ones, as the lender will need to verify the value of the assets you are securing your loan against. However, using security for your loan will almost always mean you can expect better terms and a lower interest rate as there is less risk involved for the lender.

If you need help in finding the best type of security for your loan or you wish to find an unsecured loan for
£100,000 and are struggling to find a good option, contact our experts at Clifton Private Finance, and we will do our best to ensure you find the best financial solution for your business needs.

What Types Of Funding Are Available For A 100k Business Loan?

Depending on the type of business you are running and the financial history of your business, there will be various options available to you for types of business funding. These include things such as:

● Getting a traditional business loan. Traditional business loans are available from most banks and specialist lenders. You make an application for the loan with information on your business's financial and credit history and provide the lender with a business plan and other information. If approved for the loan, you will receive the agreed loan amount and repay the balance monthly, often with a fixed interest rate.

● A cash advance for your business. If your income and business sales often fluctuate, which makes you uncertain when you could repay your loan, a business cash advance could be the option for you. This means you agree to a fixed loan fee and pay back a percentage of each transaction or sale your business has until you have fully repaid your loan. If your company does well, you will repay your loan faster; if the business is slow, you will take longer to repay your loan.

● A start-up loan for new businesses. If your business has been operating for under two years, you could apply for a start-up loan. However, you may struggle to get a start-up loan for the full
£100,000 you need.

● Asset financing. This is a way to purchase expensive assets for your business and spread out the costs over a more extended period. Asset financing is more expensive than paying upfront for a product, but it can be an excellent way to help get what you need for your business to continue growing.

● A line of credit for your business. A business line of credit works like a credit card or an overdraft 

Why Use Our Business Loan Brokers?

There are many reasons to work with our expert brokers to find the best deal for you and your business. As a specialist finance broker, we provide high-quality business loan solutions for our clients.

Reasons you should get in touch with our specialist brokers include the following:

● Market-leading rates.
● Borrow up to 60% of your turnover.
● Loans from £25,000 to £25 million.
● Large business loans, working capital loans, unsecured and secured business loans,
e-commerce financing, revolving credit facilities, merchant cash advances, asset finance, invoice finance, management buyout finance, and business acquisition finance.
● Loans under £150,000 a 2-hour credit decision. Above £150,000, it takes a little longer!
● Finance for residential and commercial including retail outlets, restaurants, cafes, guest houses and B&Bs, offices, warehouses, industrial units, factories, HMOs, nursing and care homes, gyms, investment properties, development land and buy-to-let property (portfolios and limited companies welcome).

Get in touch with our brokers today and begin taking the next steps for your business.

Types of Business Loans We Can Source

Business loans for:

Next Steps

As a specialist finance broker, Clifton Private Finance can provide a clear picture of your options. We will assess your circumstances and arrange a finance solution tailored to your needs.

If you need a business loan, call us on 0203 880 8890complete our contact form above or book an appointment.

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